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F&M Trust deposit products

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HOME EQUITIES

Unlock the equity you've built

As you pay down your mortgage and your home appreciates, you build equity. Leveraging that equity can give you access to funds for the things that matter most, without selling your home or disrupting your lifestyle.
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Turn Equity into Opportunity with FlexLOC®

With a FlexLOC® from F&M Trust, you get flexible access to your home’s equity, fast availability of funds, and greater control over your interest rate. Whether you’re planning ahead or responding to what life brings, FlexLOC® gives you the freedom to borrow with confidence.

Home Equity Line Benefits

Put the equity in your home to good use with our FlexLOC® Home Equity Line of Credit with features that include:

  • Line amounts between $10,000 - $400,000
  • Only pay on the amount you borrow
  • No application fee
  • Competitive 12-month fixed introductory rate for new borrowers
     

New borrowers get a low introductory annual percentage rate (APR) fixed for 12 months. After the introductory period, the APR is variable equal to the Wall Street Journal Prime Rate.

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Lock-In Feature

This flexible feature allows you to transfer all or a portion of your outstanding balance to a fixed rate with a fixed term and avoid the stress of fluctuating interest rates. The FlexLOC® Lock-In feature includes:

  • Lock in balances of $10,000 or more
  • Flexible lock-in fixed terms for up to 15 years
  • Lock up to three segments
  • Low lock-in fee of $50, waived for F&M Trust personal checking customers
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*New borrower is defined as a borrower with no active FlexLOC® within the last two years. Minimum line $10,000; maximum line $400,000. Up to 85% loan-to-value. Minimum credit score required. All lines are subject to credit approval and are for consumer purposes only. Line of credit available on 1-4 family, owner occupied PA, MD, and WV properties only. Insurance must be carried on property securing the line, including hazard and flood insurance if applicable. Lines of credit closed within 3 years of origination date will be charged deferred settlement costs. Additional restrictions, limitations and exclusions may apply. Maryland Properties: F&M Trust pays Recordation Tax on loan amounts up to $150,000; borrower is responsible for Recordation Tax on loan amounts greater than $150,000. 

Home Equity Options

Take advantage of our competitive variable rate Home Equity Lines of Credit, which also include the valuable option to switch to a fixed rate, giving you control over your borrowing costs.

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Fixed-Rate Lock-In Options


With loan amounts from $10,000 to $400,000 on eligible properties,
you can lock in a fixed rate on your Home Equity Line of Credit.

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Flexible Loan Terms


Access the equity in your single-family residence, 1-to-4 family property, or condominium with our adaptable Home Equity Line of Credit options.

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Diverse Possibilities

Whether you're renovating, planning a large purchase, paying tuition, or consolidating debt, leverage the equity in your home for what matters most.

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FINANCIAL CALCULATORS

Plan Ahead on Your Terms

Planning for your future doesn't have to be overwhelming. With our financial calculators, you can explore your options and reach your goals with confidence.

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F&M Trust Mobile App

The freedom to manage your money your way, right at your fingertips.

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REACH OUT TO GET STARTED

Ready to Help

As a trusted local community bank, we’re committed to serving our neighbors. Our local financial pros live in the communities we serve and care about your success, delivering personalized service and knowledgeable support every step of the way.

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Community Offices

Find your nearest F&M Trust community office or ATM.

F&M Trust Office

Linglestown Office

4765 Linglestown Road
Harrisburg, PA 17112
Phone: (717) 510-7333
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For All of Life’s Chapters

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Courses

Courses use real-life scenarios to demonstrate the power of good financial planning. For kids, teens, and young adults, these courses teach basic and advanced financial concepts.

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Collections span a wide array of financial themes, offering expert guidance to help you manage everything from daily expenses to long-term investments with ease and assurance.

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Articles

Discover a diverse range of topics in our Articles, designed to guide you through key financial decisions. Learn about health insurance, borrowing money, and underrated products to strengthen your financial strategy.

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Calculators

Planning for your future doesn't have to be overwhelming. With our financial Calculators, you can explore your options and reach your goals with confidence.

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It's impossible to predict a car breaking down or losing a job, but it's absolutely possible to prepare for the financial blow. Emergencies happen, make sure you're prepared.

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EXPLORE MORE BANKING SERVICES

Personalized Solutions for a Better Financial Future

Everyone deserves to experience better banking to improve their financial wellbeing. Expand your world with banking services and solutions that save you time and money, are personalized to fit your individual needs, and go deeper than just a transaction.

Discover what Banking Done Your Way® means to you today.

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Checking

Checking solutions designed to fit your needs for a better banking experience.

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Savings

Savings made simple to achieve your short-term and long-term goals.

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Debit Cards

Easy access to your money with rewards on everyday purchases.

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Credit Cards

Choosing the right credit card for your needs is easier than ever.

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Mortgages

Feel at home with the right mortgage for you and your family.

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Home Equities

Put the equity in your home to good use with quick-access funds for flexible borrowing.

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Lines of Credit

Access funds on your terms when you need it the most.

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Wealth Management

Plan for your future at any stage with trusted advice and tailored solutions.

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Frequently Asked Questions

You can apply in person at any of our community offices or using our online application process.

When using our online application process, you will receive a conditional answer within minutes of completing your application. For applications made in person, we can give you an answer by the end of the day if not sooner in most cases.

Our home equities are designed to be an easy, flexible borrowing opportunity to fund a wide range of needs from home renovations to large purchases like a car to consolidating debt. Contact our team to find out if a home equity is the right fit for you!